It is estimated that by 2030, the scale of the digital payment market in Africa will reach $1.5 trillion. However, informal traders and small and medium enterprises (SMEs), who are the backbone of this massive transaction volume, currently have to pay fees of up to 3% to 8% to carry out cross-border payments through traditional correspondent banking networks. This not only means they must wait for days to receive transaction confirmations but also bear exchange rate losses (FX spreads) at every step.

Today, Canza Finance, Arbitrum, and Tevau announced a collaboration to break this industry bottleneck. The three parties have officially established a payment channel that allows users to directly spend USDT0 in the real world.

Through this deep cooperation, Canza Finance will work with Arbitrum and Tevau to jointly build end-to-end USDT0 recharge and Visa card consumption infrastructure, specifically serving the cross-border trade ecosystem in emerging markets.

Bridging Stablecoins with Real-World Payments

Canza's "Autonomous Payment Protocol" has already achieved efficient routing of stablecoin liquidity in key payment corridors in Africa, such as Nigeria, Kenya, and Ghana. Now, this liquidity, once settled, can be directly loaded onto Visa cards supported by technology from Tevau through the Arbitrum network.

For small and medium-sized business owners engaged in commodity trade between Nigeria and Kenya, the entire transaction process will become extremely simple: settle in USDT0 and then recharge directly to a Tevau bank card, allowing for spending anywhere in the world that accepts Visa.

This not only means no longer bearing the currency exchange losses of local banks, but also avoids a three-day wire transfer confirmation period, saving the 4% fee charged by intermediaries.

In this ecosystem, Arbitrum is the core pillar ensuring that the network operates at scale. As the most widely used digital dollar globally, Tether can now flow from any connected blockchain, settle through Arbitrum, and ultimately transform directly into the purchasing power in the hands of traders—Canza drives the transaction volume, Arbitrum provides the underlying network, and Tevau is responsible for issuing the bank cards.

Stablecoins Entering the Real Economy

“For years, the stablecoin industry has debated which network is faster. However, if users cannot spend their account balances in the real world, the speed of chains is meaningless,” said Lorenzo R., co-founder of USDT0.

“For traders in Lagos or Nairobi, transferring through correspondent banks can cost 3% to 8% and take days, which often equates to giving away a day's hard-earned money to intermediaries. USDT0 can settle in seconds at a very low cost. This collaboration further extends this advantage to offline retail terminals (POS). Traders can settle with USDT0 on the same day and spend it directly at the counter the same day. This is key to transforming ‘interoperability between chains’ into ‘everyday practicality’ and demonstrates its core value in markets that have long borne high financial costs while receiving the worst service.”

Closed-Loop Payment Cycle Drives Market Expansion

●For Arbitrum: This collaboration will inject transaction volume anchored by real trade into its operations. Canza's payment corridors precisely match the demand for cross-border payments circulating across the African continent each year. This is a rapidly growing market that is increasingly inclined towards on-chain migration.

●For USDT0: Canza brings a strong demand-side application scenario, broadening Tether's asset reach and user base. The convenience of consumption at physical terminals (POS) is a catalyst for driving the widespread adoption of blockchain technology (Everyday Adoption). This is expected to expand the user base of stablecoin utilization from crypto natives further to merchants, traders, and SMEs involved in cross-border goods transport.

●For Tevau: This collaboration opens a channel for entering the rapidly developing digital payment market. Leveraging Canza's existing payment corridors and user base, strong market demand is expected in the early stages.

Future Outlook

This is just the first phase. The early integration will mainly focus on recharging USDT0 to Tevau bank cards through the Arbitrum network, with Canza's settlement layer handling cross-border routing and exchange rate (FX) optimization on the front end.

From a long-term architectural perspective, this project aims to establish this channel as a fully functional consumption track based on CAPP (Mult-Agent Payment Protocol) settlement funds. This means that in the future, every cross-border payment routed through the Canza protocol could potentially become a bank card recharge event. The business logic is very clear: more cross-border corridors, larger transaction volumes, and more active card usage will collaboratively create a higher USDT0 turnover rate on Arbitrum.

It is worth mentioning that this architecture is supported by the LayerZero’s omnichain fungible token (OFT) standard. All parties involved have stated that this standard provides a secure cross-chain bridge that enables seamless conversion between USDT and USDT0, helping to maintain uniform liquidity across all supported networks.

About the Collaborating Parties:

●Canza Finance: Committed to becoming the settlement layer for stablecoin liquidity and real-world assets (RWA) in emerging markets. Its developed CAPP (Mult-Agent Payment Protocol) aims to achieve lightning-fast settlements of under 60 seconds within African cross-border corridors. For more information, please visit:canza.io.

●Arbitrum: Ethereum Layer 2 network designed to provide fast, low-cost transaction experiences while maintaining Ethereum-level security assurances.

●Tevau: Provides compliant banking card infrastructure, supporting the recharge of stablecoin assets onto bank cards within the global Visa network.

●USDT0: Aims to bring Tether assets to every blockchain network. For more information, please visit:usdt0.to.

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